Excalibur Insurance Group

5 Ways A Home Insurance Claim Can Be Voided By Your Insurance Company

It probably won’t come as a surprise to you that your home insurance won’t cover you against every imaginable situation, especially if your insurance broker doesn’t have the most up-to-date information about your property.

Here are 5 ways your home insurance can be voided when you go to make a claim, and how you can prevent them.

  1. Leaving Your Home Vacant For More Than 30 Days

Before you go on vacation, a business trip or another extended trip that requires you to leave your place unattended for several days, have someone lined-up to check your home periodically. Additionally, many insurance companies have a set of requirements that you need to follow if your house is going to be vacant for a specified length of time – usually 30 days – in order to maintain coverage during your absence.

  1. Doing Renovations Without Informing Your Insurance Company

Changing the kitchen sink doesn’t require a call to your insurer, but renovating your entire kitchen does. You need to notify your insurance company if you are doing major renovations to your home that may potentially increase the replacement cost. Giving your insurance provider a call after your renovation will ensure that you have adequate coverage in the event of a loss.

Also, make sure if you are hiring contractors to do the job, that they have their own liability insurance as well. Your liability insurance will only cover personal injury if the workers hurt themselves while completing the renovation. However, your personal liability insurance will not cover the cost of injury if you or your family are hurt during the construction process.

  1. Starting A Home Business

You’ve decided to start a business out of your home and a claim results direct or indirectly from your business – there is a good possibility that your claim won’t be covered if you did not disclose this information to your insurance broker.

  1. Using Your Home For Illegal Activity

This one is an obvious one. If you are using your home for illegal activities and you have a claim, your insurance company will not cover the cost of damages. Generally there is an exclusion clause within your insurance policy that outlines the type of claims that will not be covered.

  1. Describing Your Property Dishonestly

You didn’t mention the in-ground swimming pool in your yard? What about the copper wiring in your house? Or that you have lead pipes in your plumbing? Describing your property dishonestly can lead to your home insurance being voided later because of the incorrect information that you provided your broker.

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